While 29 of the 50 U.S.states have laws that protect the rights of smokers, Weyco an insurance benefits administrator in Michigan, began imposing random smoking tests in 2005 on its own employees.

VOA: standard.2010.02.18

It's different in other countries; in Europe, they've had universal banking, which allowed banks to offer insurance for a much longer time but in the U.S.

这与其他国家是不同的,在欧洲,那里有综合银行,它们提供保险服务已经有很长一段时日了,但是在美国

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It makes it--this is a handicap to the U.S. insurance industry.

这其实是美国保险业发展的一个障碍

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